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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $84,274 | $60,128+40.2% | $90,440-6.8% | $79,852+5.5% |
| Participation rate | 49.0% | 65.0%-16.0pp | 72.7%-23.7pp | 69.6%-20.7pp |
| Annual return | 23.58% | 71.95%-48.4pp | 1294.38%-1270.8pp | 31.72%-8.1pp |
| Employer contribution / active EE | $461 | $2,068-77.7% | $3,263-85.9% | $2,471-81.4% |
| Participant deferral / active EE | $3,318 | $2,939+12.9% | $3,964-16.3% | $3,740-11.3% |
| Admin fee / account holder | $5,741 | $3,977+44.3% | $5,615+2.2% | $5,306+8.2% |